Summary
Overview
Work History
Education
Skills
Timeline
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KRISTEN OKOH

Alabaster,AL

Summary

Smart financial professional focused on customer service, applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.

Overview

20
20
years of professional experience

Work History

Enterprise Operations Underwriter

REGIONS BANK
08.2015 - 12.2023
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Built strong relationships with branch and loan by phone associates answering loan questions and providing support throughout the loan process.
  • Request documents and assist customers through loan process
  • Finalize and prepare loan package for ready to close status

Consumer Lending Underwriter

REGIONS BANK
07.2014 - 08.2015
  • Decision direct loans using Regions credit policy lending guidelines
  • Meet service levels for loan decision while providing quality service to branches and loan by phone
  • Review tax returns, w2 forms, personal financial statements and other documents to verify income and clear discrepancies
  • Ensure Federal Regulations such as HMDA and HEOA are reported correctly on credit applications
  • Achievements: Received fourth quarter 2014 and second quarter 2015 top producer award
  • Meet service quality satisfaction standards of 97% in 2014 and currently 99% for 2015.

Loan by Phone Supervisor

REGIONS BANK
10.2013 - 07.2014
  • Assist in managing a team of 24 sales officers and 4 support agents
  • Help members assess the customer’s needs and offer the right loan product that will best benefit the customer
  • Work with underwriting, processing and product managers to support our team on a regular basis
  • Responsible for overseeing new department initiatives such as outbound maturing home equity renewals, reworking of loans applications and communication verbiage to online customers
  • Responsible for tracking the progress of our new department initiatives in excel reports reviewed by management
  • Responsible for training all new hires and providing effective coaching of new loan officers and support agents to meet monthly sales goals
  • Assist sales officers in generating new revenue for the bank thru one on one sales coaching and product specific role playing
  • Head our department’s daily and monthly production reports and other various reports requested by Management
  • Achievements: Assist the department in exceeding the previous year sales goals by 58%
  • Continue to help team meet sales goals while taking on new projects within the department.

Loan by Phone Sales Loan Officer

REGIONS BANK
04.2010 - 10.2013
  • Assisted customer in the loan application process and helped determined best product to meet the customer’s need
  • Meet monthly sales goals set by the department
  • Assist customer will documentation required by underwriting
  • Achievements: Top performing sales associate consecutively exceeding monthly sales goals
  • Exceeded expectations both years on my annual review
  • Assisted in training new associates and sharing best practices with the team.

Loan Specialist

DFCU FINANCIAL
02.2008 - 02.2010
  • Worked closely with members and guided them through the loan process, from information gathering, needs assessment, product selection, proper documentation, approvals and denials and also through to scheduling loan closings
  • Assisted members with account information, transfers, certificates, dividend earnings and statements
  • Achievements: Earned 2009 Sales Representative of the Year for top company-wide sales performance
  • Earned President’s Circle of Excellence for 3 quarters in 2009, and, 2 quarters in 2008
  • Met monthly sales goals every month with the company
  • Praised for the ability to up-sell
  • Possess strong product knowledge of home equity, auto and personal loan offerings.

Front Desk Receptionist

POLICE OFFICERS ASSOCIATION OF MICHIGAN (POAM)
03.2004 - 06.2005
  • Served as first point of support and response for all incoming requests and calls, requiring strong customer service skills, a professional appearance and demeanor
  • Accustomed to interfacing with executive board members, legal counsel and clients
  • Expedited issues, filed grievances, kept board members apprised and escalated problems when necessary
  • Assisted administrative staff with outgoing correspondence.

Education

Bachelor of Science - Finance

University of Maryland - Baltimore
Baltimore, MD
07.2025

A.A. - Liberal Arts

Henry Ford Community College
Dearborn, MI
01.2001

Skills

  • 9 years of underwriting
  • 14 years of financial lending strong understanding of lending knowledge
  • Client Relationship Building
  • Strong knowledge in ACLS, ACAPS and IVCS
  • Excellent skills in Excel, Word and PowerPoint
  • Analyzing Data, Risk Mitigation and Quality Assurance
  • Policy Quoting and Analytical Thinking

Timeline

Enterprise Operations Underwriter

REGIONS BANK
08.2015 - 12.2023

Consumer Lending Underwriter

REGIONS BANK
07.2014 - 08.2015

Loan by Phone Supervisor

REGIONS BANK
10.2013 - 07.2014

Loan by Phone Sales Loan Officer

REGIONS BANK
04.2010 - 10.2013

Loan Specialist

DFCU FINANCIAL
02.2008 - 02.2010

Front Desk Receptionist

POLICE OFFICERS ASSOCIATION OF MICHIGAN (POAM)
03.2004 - 06.2005

Bachelor of Science - Finance

University of Maryland - Baltimore

A.A. - Liberal Arts

Henry Ford Community College

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KRISTEN OKOH